Top 3 Mortgage Lenders in Ashley

As the closest established community bank to Ashley (approximately 15 miles away), First National Bank of Vandalia has served Southern Illinois for over 150 years with exceptional local mortgage services. They maintain a 4.8-star rating across multiple review platforms with particular praise for their personalized service, competitive rural lending programs, and deep understanding of local property markets. Their mortgage team specializes in agricultural and rural property financing, making them ideal for Ashley residents. With strong USDA and FHA lending expertise, they're particularly well-suited for first-time homebuyers in the region.

First Mid Bank & Trust serves the Ashley area from their Centralia location approximately 25 miles away, bringing over 150 years of community banking experience to mortgage lending. They've earned a 4.7-star rating for their exceptional customer service, local underwriting decisions, and competitive rate offerings. Specializing in Southern Illinois home financing, they offer unique advantages like local loan servicing and relationship-based pricing. Their strong agricultural lending background and understanding of rural property values make them particularly valuable for Ashley homebuyers seeking personalized mortgage solutions.

Scott Credit Union serves the Ashley community through their Centralia branch with consistently high ratings for mortgage lending excellence. With a 4.6-star rating across multiple platforms, they're praised for competitive rates, low fees, and exceptional member service. They specialize in first-time homebuyer programs and offer unique benefits like rate discounts for existing members and flexible credit requirements. Their strong presence throughout Southern Illinois and understanding of the local real estate market make them a top choice for Ashley residents seeking comprehensive mortgage services with credit union advantages.